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Long Term Care - Overview

Maintain your independence with a Long-Term Care Insurance Policy from Auto-Owners. When you're under long-term care, whether it's at an outside facility or in your own home, you want to know that your finances are protected. Long-Term Care Insurance allows you to transfer some of the financial risk of these costs to Auto-Owners so that you can protect yourself. You choose your facility daily benefit amount between a $50 minimum and a $250 maximum, as well as a benefit period (2, 4, 6 or 10 years) and waiting period (30, 60 or 90 days), and Auto-Owners will provide this coverage while you are in a facility or being cared for in your home. Take control of your care and protect your assets with Long-Term Care Insurance. Note: Of the available options, you will only receive the benefit specified in the policy that is issued. The plan you select determines the amount of benefits you receive and the premium you pay.

Two Types of Coverage

Auto-Owners Care Benefits

Provides 100% of your selected facility daily benefit amount while you are in an approved facility, or 50% of your selected facility daily benefit amount while receiving home and/or community care.

Auto-Owners Care Benefits Plus

Provides 100% of your selected facility daily benefit amount while you are in an approved facility, or 100% of your selected facility daily benefit amount while receiving home and/or community care.

21-day bed-reservation coverage per calendar year.

Eligibility (for an expected period of at least 90 days): You must be certified as a chronically ill individual by a licensed health care practitioner to be eligible. Written certifications must be renewed or updated at least every 12 months. Policy subject to underwriting.

Coverages and multi-policy discounts may not apply in all states. This policy has exclusions, limitations, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, contact your Agent or Auto-Owners Life Insurance Company, Lansing, MI.

To learn more about Long-Term Care Insurance, find an independent agency representing Auto-Owners near you today!

Life Disclaimer

Note: The analysis of coverage is in general terms and is superseded in all respects by the Insuring Agreements, Endorsements, Exclusions, Terms and Conditions of the Policy. Some of the coverage mentioned in this material may not be applicable in all states or may have to be modified to conform to applicable state law. Some coverages may have been eliminated or modified since the posting of this material.